Yes. As long as the incident that has caused you to lose these deposits hasn’t already occurred, you will be covered for any costs incurred prior to purchasing the insurance. We cover deposits going backward for an unlimited time period, so even if you paid the deposit for your wedding venue or reception three years ago you would be covered!

We don’t provide cover for wedding planners who have financial responsibility for the wedding budget, i.e. you provide the planner with a lump sum to arrange and pay for the individual services on your behalf. We would cover a wedding planner if you contract with them for the planning service only and contract directly with your individual suppliers separately.

We would not exclude a customer from taking out insurance with us if they suffer from anxiety, stress or depression, but cover would not be provided for any claim resulting from these conditions unless admitted as an in-patient.

If the labour is at 37 weeks rather than 40 and no complications, then cover is not provided. If the labour is early due to a complication that has been diagnosed after the purchase of the policy, e.g. Pre-eclampsia, then we would look to provide cover.

No. The bride, groom or civil partners main residence must be in the UK. They must have been living permanently in the UK for at least six months prior to the purchase of this policy and they must be registered with a medical practitioner in the UK.

This covers the bride and groom if they are held liable for any injury to a third party person or damage to third party property. It does not cover accidents caused by anyone else such as guests and does not cover any liability that may arise purely because of any contract, such as with the wedding venue. Cover is not available if ceremony and/or reception takes place in the USA or Canada.

Public liability cover is an extension of personal liability and covers all persons invited to the wedding or reception, if they are held liable for accidental injury to a third party person or damage to third party property. Cover is not available if ceremony and/or reception takes place outside the UK.

Questions about overseas cover

Yes. However we are unable offer marquee, ceremonial swords or public liability cover for weddings taking place outside the UK. We are also unable to offer personal liability cover for weddings taking place within the USA or Canada.

Mailing list signup

Sign up to our mailing list and receive wedding advice and information for your big day straight to your inbox.